Do you have a source link to this, I don't believe they have upto that percentage not making use of the bank, as far as i know in this regards, many of us into bitcoin would have one or two banks we make use of previously before bitcoin was introduced and after it was been introduced, we still maintain using them but not having our entire financial asset in them.
It is a well known fact. The World Bank's publication about El Salvador says that "two-thirds of El Salvador’s adult population lacks access to basic financial services". El Salvador actively develops in the field of high technologies now thanks to its president, but it is still far from a fully developed country. And if to keep in mind that about a half of Salvadorians have a lack of Internet access those things like Chivo Wallet make citizens involvement in modern finance easier. If not bitcoin adoption they'd hardly get such a tool any soon.